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Accidental Death Plan


About the Sanlam icover Accidental Death Plan.

Before you buy

Buying accidental death c over online


View the Frequently Asked Questions.


View the definitions of terms.

icover Accidental Death Plan FAQ

SMS4cover Prepaid Accidental Death Policy provides for funeral and family expenses in the event of your accidental death. It covers you for R15 000 accidental death cover for a period of 1 month.

Take it out to cover your everyday travels, or for a holiday or long trip.

Sanlam believes that getting cover should not be any more difficult than sending an SMS. There may be times when you need temporary cover for when you take a trip, or go on holiday for a few days or weeks. Or perhaps you already have insurance products and, temporarily, just need some extra cover? Sanlam offers you a unique product that requires only a few rands of airtime on your cellphone.

This is real pay-as-you-go insurance.

General questions about this policy

Q: Who can become a covered person in terms of this policy?

Any person who is between 18 and 69 years old when he/she sends the SMS for cover, and a South African citizen or permanent resident with a valid SA ID document/number.

Q: How long will I be covered for?

You will be covered for the Cover Period, i.e. for 1 month from the time that you send the SMS to midnight on the same day of the following month. This will be confirmed via the SMS notification that will be sent to you after you have registered (sent the SMS).

Q: If I die of natural causes (like pneumonia) that I contracted while in hospital, as a result of an accident, am I still covered under this policy?

You will be covered for the Cover Period, i.e. for 1 month from the time that you send the SMS to midnight on the same day of the following month. This will be confirmed via the SMS notification that will be sent to you after you have registered (sent the SMS).

NOTE: All cover under this policy ceases 1 month after the date and time that you have registered and no claims for an accident event that occurs after this date will be considered. (For example, if you register at 13h30 on 3 June 2011, you will be covered until midnight on 3 July 2011.) You can renew your Cover for another 1 month Cover Period at ant time, by sending an SMS to 39000 with this message:– icover (followed by) your SA ID number.

About the premium

Q: What premium do I pay and how?

Payment for this policy is a single payment of R15 for 1 month’s cover. This amount is deducted off your airtime on your cell phone. After the 1-month period, the cover will expire and you will not be covered any longer. If you wish to renew the cover, then you must register and pay for a new cover period by sending an SMS with your name and ID number to 39000.

About the beneficiary and making a claim

Q: How do I nominate a beneficiary?

It is very important to nominate a beneficiary on any icover policy. You can do so by calling Sanlam call centre on 0860 426 837.

Q: What information do I need to give to my beneficiary?

You must inform your beneficiary that they have been nominated on your policy. Give your beneficiary the number of the icover Claims Line – 0860 426 837 (0860 icover) – so that they can make the claim in the event of your death.

Q: How will my beneficiary claim?

When the policy owner dies, the beneficiary or, if no beneficiary has been nominated, the person in charge of the deceased estate, should immediately contact icover on Sharecall 0860 426 837 (0860 icover) to start the claim process. The consultant will assist by collecting the necessary information. In all claims, the beneficiary(or person in charge of the deceased estate) will be required to fill out a claim application form. icover may require the beneficiary to provide other papers, such as a death certificate, ID book, etc.

Q: Will a claim be granted if I am injured before the expiry date but die after this?

Yes, the claim will be granted, provided that the accident occurs before the expiry date. Your death, as the result of an accident, must occur within 90 (ninety) days of the commencement date of the policy.

Q: In what cases will this policy NOT pay out a claim? What exclusions are there on this policy?

icover will not pay a claim where the policy owner dies as a result of Exclusions or Excluded Activities.

Q: How long do claims take to process?

The payment of a claim is usually made within 48 hours after all required documents have been received and verified by icover.

About complaints and queries

Q: Who do I contact if I have a complaint about this policy?

icover is committed to service excellence and fully subscribes to the aims and conditions of the Policy Protection Rules (PPR) and the Financial Advisory and Intermediary Services Act (FAIS).

Should you have a complaint, you may contact icover on Sharecall 0860 426 837 (0860 icover)

If your complaint has not been resolved to your satisfaction,kindly contact The Compliance Officer on (011) 359 7700.

If you are still not satisfied, you may contact:

  • The Ombudsman for Long-Term Insurance (for product or service-related complaints). Write to: The Ombudsman, Private Bag X45, Claremont, 7735. Tel: (021) 657 5000 or Sharecall: 0860 103 236; Fax: (021) 674 0951; Email:
  • The FAIS Ombudsman (for advice-related complaints) Sharecall 0860 324 766 (0860FAISOM); Fax (012) 348 3447; Email:

About the insurer

This policy is brought to you by icover, a division of Sanlam Developing Markets Limited, a registered long-term insurer and licensed financial services provider of Sanlam Business Park, 13 West Street, Houghton. P O Box 1941, Houghton 2041.(011) 359-7700.

For additional information, Sharecall 0860 426 837 (0860 icover)

For claims, Sharecall 0860 426 837 (0860 icover)

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